Agricultural Finance

Farm Trailer Finance: Rates, Options & Lenders

Farm trailers represent significant capital expenditure. Finance allows you to acquire modern high-capacity trailers while preserving working capital for inputs and running costs.

Types of Farm Trailer We Finance

Grain Trailers

High-volume grain chaser trailers from Joskin, Fliegl, Bailey and others. Typically £25,000–£80,000 new.

Livestock Trailers

Cattle, sheep and pig trailers. Ifor Williams, Rice, Bateson and Herbst accepted by all panel lenders.

Silage & Forage Trailers

High-sided silage trailers and forage wagons. Larger values often financed over 5–7 years.

Flatbed & Tipping Trailers

General farm trailers used for a variety of haulage and on-farm transport tasks.

Farm Trailer Finance Rates - October 2026

LenderRate FromTermNotes
Close BrothersFrom 5.9% APR24–60 monthsStrong appetite for farm trailers
Black HorseFrom 5.7% APR24–60 monthsBest rate for new trailers, good credit
ShawbrookFrom 6.2% APR24–60 monthsMid-market, mixed credit considered
AldermoreFrom 6.4% APR24–60 monthsOlder and non-standard trailers

Key Considerations for Trailer Finance

Farm trailers are generally straightforward to finance, but a few factors affect which lenders will accept your case:

  • Age and condition: New and near-new trailers attract the best rates. Trailers over 10 years old may require specialist lenders.
  • Brand: Mainstream brands (Joskin, Bailey, Fliegl, Ifor Williams) have strong resale value and are accepted by all lenders.
  • HGV-required trailers: Very large grain trailers requiring an HGV to tow are assessed differently - see our Agricultural HGV guide.
  • Seasonal timing: Harvest-period applications can be processed quickly - contact us before the season for pre-approved facilities.
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FAQs

Frequently asked questions

Can I finance a second-hand farm trailer?

Yes - most lenders accept used trailers up to 7–10 years old. Older trailers may be accepted by Aldermore or Shawbrook on a case-by-case basis.

Is VAT reclaimable on farm trailer finance?

If you are VAT-registered, you can reclaim VAT on the purchase price under HP, or on lease payments under a finance lease structure. Confirm with your accountant.

Can I finance a trailer if I recently set up my farming business?

It is possible for newer businesses, particularly if you have a farming background and can demonstrate income. Aldermore is most flexible; a larger deposit may be required.

Do I need to insure a financed farm trailer?

Yes - all financed assets must be insured for their full replacement value throughout the agreement. Agricultural trailers should be listed on your farm insurance policy.

How long can I finance a farm trailer for?

Terms of 24–60 months are standard. Some lenders will consider 72 months for larger grain trailers or silage equipment. Longer terms reduce monthly payments but increase total interest paid.

Asset finance for business purposes is not regulated by the FCA. Rates shown are indicative as at October 2026 and depend on credit profile, term, asset and deposit. We act as a credit broker, not a lender. Your asset may be repossessed if you do not keep up repayments.

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